Andreas Spengel

Senior VP Market Development
Mastercard DE & CH

What convention in your discipline are you disagreeing with at the moment?

Advances in technology, IoT, big data, and AI are leading customers to change old habits. They’re also empowering tech companies and startups to challenge banks on their home turf. But technology alone cannot define a successful bank. The bank of the future also needs an operating model that brings together the right talent, culture, and organizational design.